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Maximize Your Profits: 7 Ways to Decrease Payment Gateway Fees

Ryan Hull February 12, 2023 2694 Views Belfast Northern Ireland

Don't let these fees eat into your profits - learn how to decrease your payment gateway fees with our comprehensive guide. From negotiating with your current provider to offering multiple payment options, we've got you covered. Start maximizing your profits and cutting your costs today!

How to save money on your payment gateway charges

As a business owner, reducing costs and maximizing profits are important objectives. One area that can have a significant impact on your bottom line is payment gateway fees. These fees can add up quickly, especially if you process a large volume of transactions. Here are some ways to decrease your payment gateway fees and keep more money in your pocket:

First off As a web developer I work with many gateways and always want my customers to get the best rate – that’s why I point them in the direction of Trust Payments.

Get a superfast quote from Andrew by clicking here!

  1. Shop Around for the Best Rates: Not all payment gateways charge the same fees, so it’s essential to do your research and compare different providers. Look for a payment gateway that offers lower transaction fees, and also consider other factors such as security, reliability, and customer support.
  2. Negotiate with Your Current Provider: If you’re already using a payment gateway, it may be possible to negotiate lower fees with your current provider. This is especially true if you process a high volume of transactions or have been a long-term customer. You may be able to negotiate a lower rate by proving that you’re a valuable customer.
  3. Use a Payment Aggregator: Payment aggregators can help you reduce fees by pooling transactions from multiple merchants and processing them as one. This allows you to benefit from economies of scale and reduces the cost of each transaction.
  4. Offer Multiple Payment Options: Offering customers multiple payment options can increase sales and reduce the cost of transactions. For example, offering both credit card and ACH (Automated Clearing House) payments can reduce fees by allowing customers to choose the payment method that is most cost-effective for you.
  5. Opt for a Flat-Rate Model: Some payment gateways offer a flat-rate model, which charges a set monthly fee rather than a percentage of each transaction. This can be a cost-effective option for businesses that process a high volume of transactions, as it eliminates the risk of fees eating into your profits.
  6. Consider Card-Present Transactions: Card-present transactions, where the card is physically present at the time of the transaction, typically have lower fees than card-not-present transactions, where the card is not physically present (such as online purchases). If possible, try to encourage customers to make card-present transactions, as this can help reduce fees.
  7. Review Your Statements Regularly: Payment gateway fees can vary from month to month, so it’s important to review your statements regularly and look for any unexpected fees. If you spot any discrepancies, reach out to your payment gateway provider to resolve the issue.


If you already have a payment gateway – leverage their costs against a new payment gateway such as the one below, they will usually always beat your quote and want to get your business.

By implementing these tips, you can decrease your payment gateway fees and keep more money in your pocket. It’s essential to choose the right payment gateway provider, negotiate for the best rates, and always stay vigilant about unexpected fees.

Get an instant Quote here!

As a web developer I work with many gateways and always want my customers to get the best rate – that’s why I point them in the direction of trust payments. Have Andrew contact you by clicking here!

Video on the matter

Have a look below at my "2023 High Risk Payment Gateway / Merchant Account - Competition, Raffle, Gambling, CBD Easy Setup!" Video for more information on how to use a gateway like the one above!

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